This is my very first post (that will probably be moved). I've been reading these forums for over two years now. I've learned a ton, but regardless of that have still made a plethora of bad decisions. I've had many approvals in the last 6 months as well as many denials while racking up the inquiries to boot. I am going to summarize my profile for you all. Not really seeking any particular advice at the moment,. I realize the best thing for me to do is garden and let my AAoA and limits grow at this point. I really just wanted to introduce myself as well as share my approvals with people who will understand best. When I try to convey this information to my family or co-workers they all think I'm crazy or credit obsessed. Although I probably am the latter, I realize this isn't such a bad thing. Most people I know grew up with the belief that credit=bad and that you shouldn't put anything on plastic. It took me 30 yrs (I'm 32) to find out how incorrect this is and that if handled responsibly, credit can be an essential key to wealth building. That is what I'm using it for anyway. Everyone in my family has terrible credit, couldn't finance a stick of gum if life depended on it. I'm # 7 out of 8 children and the only one with credit cards, financed vehicle, bank accounts and soon to be mortgage. Being one of the youngest, trying to convince my elder sibs that they can repair and rebuild their credit is like trying to convince a fish that air is just as good as water. I've stopped trying to bring them to the light and have focused my efforts on breaking the bad credit cycle with my children. Thanks for reading. I hope to participate more regularly and become part of this great community.
Fico 8 Scores: EQ 663 TU 671 EX 666...........Inquiries: EQ 27 TU 30 EX 41...........7% Util across the board...........AAoA: 1yr 10mos........Total accts:33...26 open 7 closed
3 Rehabbed Navient Student Loans
March 2004 $6148, $3738, $362
Capital One QS1
May 2016
$1000- $1100- $1600: 0 bal
Cap1 Union Plus
August 2016
$1000: 0 bal
Discover It
September 2016 (mailed preapproval letter)
$2500- $3000: $1300 bal (0% int bal transfer 12 mos)
Local CU Credit Rebuilder Loan
October 2016
$3000: $2600 bal
Navy FCU
October 2016
cashRewards $3700 SL- $10,000- $1625 bal
Cloc $15,000- $5900 bal
Auto Refi $18,000- $17,000 bal
Merrick Bank (mailed preapproval DYL letter)
October 2016
$900: 0 bal
Target/TD Bank
October 2016
$300: $79 bal
Walmart/Sync
October 2016
$800- $3500- $6000: 0 bal
Lowes/Sync
October 2016
$500- $3500- $17000: 0 bal
Old Navy/Sync
October 2016
$500- $3500: 0 bal
Macys/DSNB Citi
October 2016
$800- $1600- $3000: 0 bal
ExxonMobil/CBNA Citi
November 2016
$400: 0 bal
Cap1 Buypower
November 2016
$500
BoA 3-2-1 $99/$500
November 2016
$500: 0 bal
Cap1 Buypower (mailed preapproval letter/ Cedit Steps)
Decmber 2016
$500: $120 bal
Amex (All same day apps/approvals) Not yet reporting
January 2017
ED $500 (credit steps-like program): 0 bal
Platinum $450 AF bal
PRG
Green
BCP $5000: $390 bal
SPG $1000: 0 bal
Delta Gold $1000: bal
Hilton HHonors Denied (too many credit products in "few months period")
TJX Rewards/Sync
January 2017
$200: 0 bal (SL recon denied)
Marvel MC/Sync
January 2017
$1500: $140 bal (SL recon denied)
Care Credit/Sync Not yet reporting
January 2017
$1000: 0 bal
Jared/Sterling Not yet reporting
January 2017
$3000: 0 bal
Firestone/CFNA Not yet reporting
January 2017
$1600: $88 bal
